Item 2.02 Results of Operations and Financial Condition

On November 13, 2012, Carver Bancorp, Inc. (the "Company") issued a press release reporting financial results for its second fiscal quarter of 2013 ended September 30, 2012. A copy of the press release is attached as Exhibit 99.1 to this report and incorporated herein by reference. The Company does not intend for this Item 2.02 or Exhibit 99.1 to be deemed "filed" for

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purposes of Section 18 of the Securities and Exchange Act of 1934 or to be incorporated by reference into filings under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

The following exhibit is filed as part of this report:

99.1 Press release entitled "CARVER BANCORP, INC. REPORTS SECOND QUARTER FISCAL YEAR 2013 RESULTS", dated November 13, 2012.